morgan's london whale, where they did not even understand their risk, let alone management. and regulators have to supervise that to protect all of us. host: our caller mentioned gretchen mark gunston, a writer at "the new york times," -- you can find it on the web site, the video library but archives. rich demuro, special inspector general for tarp, -- christy romero. she has had prior roles at sigtarp and was also at the u.s. securities and exchange commission who -- and served as counsel to mary schapiro and christopher cox. and investigative financial fraud, insider trading and other violations of securities law. she spent time as a litigator. her jd is from brigham young law school and she went to school here, old dominion university. the special inspector general from tarp and a recent report. treasury continues approving excessive -- excessive pay. on twitter -- is this all hindsight? guest: it is interesting. one of the things we constantly report on is things that should have been done better. you have to respect that a lot of decisions were made with a sense of urg